You want Assurance

We Act

The insurance industry is drifting away from human connection. At Lumara, we use technology to make things efficient and people to make it personal.

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We listen.
We understand.
We partner.

At Lumara, we offer Business Insurance and Motor Trade Combined insurance – built on understanding, not automation. Real human service is becoming rare. We connect with our Broker partners face to face, or they tell us what they prefer. Our relationships are based on conversations, tailored solutions and the confidence our partners at Mission give us, backed by A- rated paper and a five-year capacity commitment. This is dependable protection, delivered easily with expertise and human understanding.

About UsAbout Us

Thinking, acting, solving - together.

At Lumara, technology helps us move faster but it’s people who help us move better. We are experienced underwriters, and we know what our Broker partners need:

Tailored coverage

No two businesses are the same; they come in all shapes and sizes. So do our policies – we design them to fit allowing you to meet your clients’ needs.

Direct access

When you need support, you don’t want an enquiry form or unanswered emails. We give you direct access to a real person. An underwriter who is ready to listen and respond.

Broker collaboration

We work alongside brokers, not behind a screen, giving you direct access to underwriters who listen, respond, and help deliver smarter solutions faster.

A partnership not a platform.

Lumara delivers the insurance service brokers want: swift when it should be, personal when it matters and always backed by real underwriting expertise. Founded on experienced underwriters supported by intelligent technology, we combine the speed and agility of a modern tech-enabled MGA with human relationships and real conversations.
Speak to us to find out more. We love a chat.

Contact UsContact Us

You want certainty.
We protect what matters.

Catering for UK-based SME to Mid-Market enterprises.

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Up to £35M total sum insured per location for Property Damage and Business Interruption

A flexible underwriting approach – solutions led through experienced underwriters

A- rated paper with proven financial strength

Five-year rolling capacity commitment for long-term confidence

End-to-end underwriting solution – we handle it all offering a “one stop shop” product

Statement of Fact basis – no need for proposal forms

Embedded Legal Expenses coverage – for businesses up to £10m turnover

Pro-active risk management services – on site surveys and help on Health & Safety matters

Helpline access – on a variety of matters including Legal and UK tax advice powered by ARAG

Supported by Mission – making brokers’ lives easier

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Get in touch.

Cover starts with a conversation.

You want Assurance

We Act

We listen. We understand. We partner.

Thinking, acting, solving - together.

Tailored coverage

Direct access

Broker collaboration

A partnership not a platform.

You want certainty. We protect what matters.

Get in touch.

Thinking, acting, solving - together.

Tailored coverage

Direct access

Broker collaboration

A partnership not a platform.

We listen.
We understand.
We partner.

You want certainty.
We protect what matters.